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Loan doc specialist vs loan closer

The differences between loan doc specialists and loan closers can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a loan doc specialist and a loan closer. Additionally, a loan closer has an average salary of $39,093, which is higher than the $38,480 average annual salary of a loan doc specialist.

The top three skills for a loan doc specialist include customer service, organization and origination. The most important skills for a loan closer are customer service, excellent organizational, and TRID.

Loan doc specialist vs loan closer overview

Loan DOC SpecialistLoan Closer
Yearly salary$38,480$39,093
Hourly rate$18.50$18.79
Growth rate-3%-3%
Number of jobs31,24311,431
Job satisfaction--
Most common degreeBachelor's Degree, 47%Bachelor's Degree, 51%
Average age4242
Years of experience44

What does a loan doc specialist do?

A loan document specialist is a person who gathers loan documents from the client to help them with the approval of their mortgage, credit, and lease application for a business, home, and school needs. They are responsible for combining the data that is needed and then reviewing and compiling it according to loan requirements and guidelines. A loan document specialist also communicates with the client if there are any problems and additional documents that are needed. Furthermore, the specialist is a person who knows how to manage loans and has organizational and management skills.

What does a loan closer do?

A loan closer is primarily in charge of handling and closing loan documentation, ensuring accuracy and smooth transactions. A loan closer's responsibilities revolve around liaising with clients to guarantee that they adhere to every term in the contract, preparing necessary reports and documents, monitoring payment progress, and ensuring that they have a deep understanding of the obligations under the contract. Furthermore, it is essential to maintain records of all transactions and assist clients, all while implementing the company's policies and regulations.

Loan doc specialist vs loan closer salary

Loan doc specialists and loan closers have different pay scales, as shown below.

Loan DOC SpecialistLoan Closer
Average salary$38,480$39,093
Salary rangeBetween $25,000 And $58,000Between $30,000 And $50,000
Highest paying CityJersey City, NJBellevue, WA
Highest paying stateWest VirginiaWashington
Best paying companyValley Children'sTata Group
Best paying industryFinanceFinance

Differences between loan doc specialist and loan closer education

There are a few differences between a loan doc specialist and a loan closer in terms of educational background:

Loan DOC SpecialistLoan Closer
Most common degreeBachelor's Degree, 47%Bachelor's Degree, 51%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Loan doc specialist vs loan closer demographics

Here are the differences between loan doc specialists' and loan closers' demographics:

Loan DOC SpecialistLoan Closer
Average age4242
Gender ratioMale, 29.0% Female, 71.0%Male, 22.6% Female, 77.4%
Race ratioBlack or African American, 11.2% Unknown, 4.5% Hispanic or Latino, 14.5% Asian, 8.6% White, 60.8% American Indian and Alaska Native, 0.4%Black or African American, 12.9% Unknown, 4.3% Hispanic or Latino, 14.8% Asian, 7.0% White, 60.6% American Indian and Alaska Native, 0.4%
LGBT Percentage7%7%

Differences between loan doc specialist and loan closer duties and responsibilities

Loan doc specialist example responsibilities.

  • Manage a pipeline of FHA and conforming conventional mortgage loans for refinance and purchase through closing.
  • Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
  • Pull LDP/GSA list, FHA CAIVR numbers, VA certificate of eligibility, VA case numbers and VA appraisals.
  • Schedule loan closing and review final HUD-1 to verify fees are appropriate and within guidelines.
  • Review final HUD-1, payment plan, calculations and closing documents for accuracy, prepare package for funding to review.
  • Make sound business decisions base on credit risk policy and procedures in accordance with TILA, ECOA, and RESPA guidelines.
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Loan closer example responsibilities.

  • Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
  • Update files by obtaining annual and interim financial statements, renew insurance policies and UCC amendments, continuations and terminations.
  • Maintain a working knowledge of government underwriting policies pertaining to multiple programs such as VA, USDA, and FHA financing.
  • Gain knowledge of requirements establish by the FHA/VA, FNMA, FHLMC and private investors.
  • Prepare the delivery of mortgage loan documents to facilitate the processing of mortgage loan closings including TRID.
  • Prepare loan documents for retail mortgages (conventional, VA, FHA), all states in a paperless environment.
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Loan doc specialist vs loan closer skills

Common loan doc specialist skills
  • Customer Service, 10%
  • Organization, 7%
  • Origination, 6%
  • Loan Types, 5%
  • Title Commitments, 5%
  • FHA, 5%
Common loan closer skills
  • Customer Service, 24%
  • Excellent Organizational, 5%
  • TRID, 4%
  • FHA, 4%
  • Va, 4%
  • RESPA, 4%

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